Bank Loan Status

Dataset statistics

Number of variables	18
Number of observations	56504
Missing cells	0
Missing cells (%)	0.0%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	6.0 MiB
Average record size in memory	112.0 B

Variable types

NUM	13
BOOL	5

Warnings

`Annual Income` is highly skewed (γ1 = 55.2850603)	Skewed
`Maximum Open Credit` is highly skewed (γ1 = 125.8893154)	Skewed
`df_index` has unique values	Unique
`Years in current job` has 3659 (6.5%) zeros	Zeros
`Number of Credit Problems` has 48805 (86.4%) zeros	Zeros
`Bankruptcies` has 50309 (89.0%) zeros	Zeros
`Tax Liens` has 55424 (98.1%) zeros	Zeros

Reproduction

Analysis started	2020-09-13 12:48:10.088579
Analysis finished	2020-09-13 12:48:47.189701
Duration	37.1 seconds
Software version	pandas-profiling v2.9.0
Download configuration	config.yaml

df_index
Real number (ℝ_≥0)

UNIQUE

Distinct	56504
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	35309.86162
Minimum	1
Maximum	70629
Zeros	0
Zeros (%)	0.0%
Memory size	441.4 KiB

Quantile statistics

Minimum	1
5-th percentile	3536.15
Q1	17647.75
median	35342
Q3	53008.25
95-th percentile	67107.85
Maximum	70629
Range	70628
Interquartile range (IQR)	35360.5

Descriptive statistics

Standard deviation	20393.53144
Coefficient of variation (CV)	0.5775590871
Kurtosis	-1.201611937
Mean	35309.86162
Median Absolute Deviation (MAD)	17680.5
Skewness	-0.0002610777149
Sum	1995148421
Variance	415896124.7
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
2047	1	< 0.1%
70327	1	< 0.1%
62155	1	< 0.1%
64202	1	< 0.1%
58057	1	< 0.1%
60104	1	< 0.1%
37575	1	< 0.1%
39622	1	< 0.1%
35524	1	< 0.1%
45763	1	< 0.1%
Other values (56494)	56494	> 99.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	1	< 0.1%
5	1	< 0.1%
6	1	< 0.1%
7	1	< 0.1%
9	1	< 0.1%

Value	Count	Frequency (%)
70629	1	< 0.1%
70627	1	< 0.1%
70626	1	< 0.1%
70624	1	< 0.1%
70621	1	< 0.1%

Current Loan Amount
Real number (ℝ_≥0)

Distinct	18718
Distinct (%)	33.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	16531110.15
Minimum	11242
Maximum	99999999
Zeros	0
Zeros (%)	0.0%
Memory size	441.4 KiB

Quantile statistics

Minimum	11242
5-th percentile	78697.3
Q1	191026
median	327250
Q3	569706.5
95-th percentile	99999999
Maximum	99999999
Range	99988757
Interquartile range (IQR)	378680.5

Descriptive statistics

Standard deviation	36794308.67
Coefficient of variation (CV)	2.225761509
Kurtosis	1.340791018
Mean	16531110.15
Median Absolute Deviation (MAD)	165924
Skewness	1.827727633
Sum	9.34073848e+11
Variance	1.35382115e+15
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
99999999	9193	16.3%
223322	19	< 0.1%
262724	16	< 0.1%
110374	15	< 0.1%
174372	15	< 0.1%
223674	15	< 0.1%
219648	14	< 0.1%
217646	14	< 0.1%
216546	13	< 0.1%
216810	13	< 0.1%
Other values (18708)	47177	83.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
11242	1	< 0.1%
21450	2	< 0.1%
21472	6	< 0.1%
21494	1	< 0.1%
21516	3	< 0.1%

Value	Count	Frequency (%)
99999999	9193	16.3%
789250	2	< 0.1%
789184	3	< 0.1%
789096	8	< 0.1%
789030	6	< 0.1%

Credit Score
Real number (ℝ_≥0)

Distinct	321
Distinct (%)	0.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1125.161174
Minimum	585
Maximum	7510
Zeros	0
Zeros (%)	0.0%
Memory size	441.4 KiB

Quantile statistics

Minimum	585
5-th percentile	664
Q1	708
median	729
Q3	742
95-th percentile	6890
Maximum	7510
Range	6925
Interquartile range (IQR)	34

Descriptive statistics

Standard deviation	1560.583029
Coefficient of variation (CV)	1.386986207
Kurtosis	10.93415184
Mean	1125.161174
Median Absolute Deviation (MAD)	15
Skewness	3.590480477
Sum	63576107
Variance	2435419.392
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
747	1460	2.6%
740	1432	2.5%
746	1416	2.5%
741	1381	2.4%
742	1378	2.4%
739	1318	2.3%
745	1278	2.3%
748	1271	2.2%
743	1222	2.2%
738	1203	2.1%
Other values (311)	43145	76.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
585	8	< 0.1%
586	5	< 0.1%
587	7	< 0.1%
588	8	< 0.1%
589	3	< 0.1%

Value	Count	Frequency (%)
7510	8	< 0.1%
7500	17	< 0.1%
7490	15	< 0.1%
7480	38	0.1%
7470	38	0.1%

Annual Income
Real number (ℝ_≥0)

SKEWED

Distinct	31718
Distinct (%)	56.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1377067.953
Minimum	81092
Maximum	165557393
Zeros	0
Zeros (%)	0.0%
Memory size	441.4 KiB

Quantile statistics

Minimum	81092
5-th percentile	521778
Q1	848112.5
median	1171882
Q3	1650211.75
95-th percentile	2808105
Maximum	165557393
Range	165476301
Interquartile range (IQR)	802099.25

Descriptive statistics

Standard deviation	1144954.343
Coefficient of variation (CV)	0.8314436044
Kurtosis	7525.605284
Mean	1377067.953
Median Absolute Deviation (MAD)	380038
Skewness	55.2850603
Sum	7.780984764e+10
Variance	1.310920447e+12
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
1162572	16	< 0.1%
1140000	15	< 0.1%
1146612	14	< 0.1%
969475	13	< 0.1%
1143762	13	< 0.1%
931190	12	< 0.1%
1128486	11	< 0.1%
973370	11	< 0.1%
1126320	11	< 0.1%
1139430	11	< 0.1%
Other values (31708)	56377	99.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
81092	1	< 0.1%
94867	1	< 0.1%
97033	1	< 0.1%
106533	1	< 0.1%
111245	1	< 0.1%

Value	Count	Frequency (%)
165557393	1	< 0.1%
36475440	1	< 0.1%
28095300	1	< 0.1%
24161540	1	< 0.1%
22448880	2	< 0.1%

Years in current job
Real number (ℝ_≥0)

ZEROS

Distinct	11
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	3.630114682
Minimum	0
Maximum	10
Zeros	3659
Zeros (%)	6.5%
Memory size	220.7 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	1
median	2
Q3	6
95-th percentile	10
Maximum	10
Range	10
Interquartile range (IQR)	5

Descriptive statistics

Standard deviation	3.157234963
Coefficient of variation (CV)	0.8697342203
Kurtosis	-0.7757301789
Mean	3.630114682
Median Absolute Deviation (MAD)	1
Skewness	0.7625970267
Sum	205116
Variance	9.96813261
Monotocity	Not monotonic

Histogram with fixed size bins (bins=11)

Value	Count	Frequency (%)
1	19983	35.4%
2	5212	9.2%
3	4609	8.2%
10	4576	8.1%
5	3852	6.8%
0	3659	6.5%
4	3427	6.1%
6	3206	5.7%
7	3159	5.6%
8	2584	4.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	3659	6.5%
1	19983	35.4%
2	5212	9.2%
3	4609	8.2%
4	3427	6.1%

Value	Count	Frequency (%)
10	4576	8.1%
9	2237	4.0%
8	2584	4.6%
7	3159	5.6%
6	3206	5.7%

Monthly Debt
Real number (ℝ_≥0)

Distinct	46667
Distinct (%)	82.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	18438.89051
Minimum	0
Maximum	229057.92
Zeros	42
Zeros (%)	0.1%
Memory size	441.4 KiB

Quantile statistics

Minimum	0
5-th percentile	3771.12
Q1	10188.37
median	16172.99
Q3	23939.7625
95-th percentile	40452.197
Maximum	229057.92
Range	229057.92
Interquartile range (IQR)	13751.3925

Descriptive statistics

Standard deviation	12132.89272
Coefficient of variation (CV)	0.6580055732
Kurtosis	9.896131914
Mean	18438.89051
Median Absolute Deviation (MAD)	6708.33
Skewness	1.927606688
Sum	1041871069
Variance	147207085.7
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	42	0.1%
10647.98	6	< 0.1%
13359.85	6	< 0.1%
12656.47	6	< 0.1%
14535	5	< 0.1%
12907.08	5	< 0.1%
13520.78	5	< 0.1%
7538.82	5	< 0.1%
15632.06	5	< 0.1%
11233.75	5	< 0.1%
Other values (46657)	56414	99.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	42	0.1%
19.57	1	< 0.1%
28.5	1	< 0.1%
34.96	2	< 0.1%
52.63	1	< 0.1%

Value	Count	Frequency (%)
229057.92	1	< 0.1%
205801.35	1	< 0.1%
173265.56	1	< 0.1%
172156.15	1	< 0.1%
165810.53	1	< 0.1%

Years of Credit History
Real number (ℝ_≥0)

Distinct	496
Distinct (%)	0.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	18.27673262
Minimum	3.8
Maximum	70.5
Zeros	0
Zeros (%)	0.0%
Memory size	441.4 KiB

Quantile statistics

Minimum	3.8
5-th percentile	9
Q1	13.5
median	17
Q3	21.8
95-th percentile	31.8
Maximum	70.5
Range	66.7
Interquartile range (IQR)	8.3

Descriptive statistics

Standard deviation	7.044508895
Coefficient of variation (CV)	0.3854359005
Kurtosis	1.760107442
Mean	18.27673262
Median Absolute Deviation (MAD)	4
Skewness	1.076234182
Sum	1032708.5
Variance	49.62510558
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
16	774	1.4%
15	739	1.3%
17	691	1.2%
16.5	642	1.1%
14	639	1.1%
15.4	601	1.1%
13	589	1.0%
17.5	560	1.0%
18	559	1.0%
14.5	528	0.9%
Other values (486)	50182	88.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
3.8	1	< 0.1%
3.9	2	< 0.1%
4	4	< 0.1%
4.1	5	< 0.1%
4.2	13	< 0.1%

Value	Count	Frequency (%)
70.5	1	< 0.1%
65	1	< 0.1%
60.5	1	< 0.1%
59.9	1	< 0.1%
59.7	1	< 0.1%

Number of Open Accounts
Real number (ℝ_≥0)

Distinct	50
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	11.14807801
Minimum	1
Maximum	76
Zeros	0
Zeros (%)	0.0%
Memory size	441.4 KiB

Quantile statistics

Minimum	1
5-th percentile	5
Q1	8
median	10
Q3	14
95-th percentile	20
Maximum	76
Range	75
Interquartile range (IQR)	6

Descriptive statistics

Standard deviation	5.037188975
Coefficient of variation (CV)	0.4518437142
Kurtosis	3.434546278
Mean	11.14807801
Median Absolute Deviation (MAD)	3
Skewness	1.212730089
Sum	629911
Variance	25.37327277
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
9	5318	9.4%
10	5079	9.0%
8	4959	8.8%
11	4885	8.6%
7	4570	8.1%
12	4210	7.5%
6	3848	6.8%
13	3479	6.2%
14	2912	5.2%
5	2631	4.7%
Other values (40)	14613	25.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	10	< 0.1%
2	260	0.5%
3	758	1.3%
4	1604	2.8%
5	2631	4.7%

Value	Count	Frequency (%)
76	2	< 0.1%
56	2	< 0.1%
52	2	< 0.1%
48	1	< 0.1%
47	2	< 0.1%

Number of Credit Problems
Real number (ℝ_≥0)

ZEROS

Distinct	14
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.164271556
Minimum	0
Maximum	15
Zeros	48805
Zeros (%)	86.4%
Memory size	441.4 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	15
Range	15
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.4808645924
Coefficient of variation (CV)	2.92725414
Kurtosis	59.04587267
Mean	0.164271556
Median Absolute Deviation (MAD)	0
Skewness	5.20706503
Sum	9282
Variance	0.2312307562
Monotocity	Not monotonic

Histogram with fixed size bins (bins=14)

Value	Count	Frequency (%)
0	48805	86.4%
1	6664	11.8%
2	719	1.3%
3	199	0.4%
4	65	0.1%
5	29	0.1%
6	8	< 0.1%
7	7	< 0.1%
8	3	< 0.1%
15	1	< 0.1%
Other values (4)	4	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	48805	86.4%
1	6664	11.8%
2	719	1.3%
3	199	0.4%
4	65	0.1%

Value	Count	Frequency (%)
15	1	< 0.1%
12	1	< 0.1%
11	1	< 0.1%
10	1	< 0.1%
9	1	< 0.1%

Current Credit Balance
Real number (ℝ_≥0)

Distinct	27211
Distinct (%)	48.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	295003.1523
Minimum	0
Maximum	32878968
Zeros	332
Zeros (%)	0.6%
Memory size	441.4 KiB

Quantile statistics

Minimum	0
5-th percentile	30628
Q1	113164
median	211156.5
Q3	368053.75
95-th percentile	759613.35
Maximum	32878968
Range	32878968
Interquartile range (IQR)	254889.75

Descriptive statistics

Standard deviation	386236.9245
Coefficient of variation (CV)	1.30926372
Kurtosis	1023.610304
Mean	295003.1523
Median Absolute Deviation (MAD)	115206.5
Skewness	17.86431526
Sum	1.666885812e+10
Variance	1.491789619e+11
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	332	0.6%
131955	11	< 0.1%
124013	10	< 0.1%
137807	10	< 0.1%
74765	10	< 0.1%
110219	10	< 0.1%
173261	10	< 0.1%
100301	10	< 0.1%
118009	10	< 0.1%
153577	10	< 0.1%
Other values (27201)	56081	99.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	332	0.6%
19	3	< 0.1%
38	6	< 0.1%
57	3	< 0.1%
76	1	< 0.1%

Value	Count	Frequency (%)
32878968	1	< 0.1%
12986956	1	< 0.1%
12746397	1	< 0.1%
11796435	1	< 0.1%
11361924	1	< 0.1%

Maximum Open Credit
Real number (ℝ_≥0)

SKEWED

Distinct	34890
Distinct (%)	61.7%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	727374.6498
Minimum	0
Maximum	798255370
Zeros	398
Zeros (%)	0.7%
Memory size	441.4 KiB

Quantile statistics

Minimum	0
5-th percentile	110619.3
Q1	276386
median	473924
Q3	792203.5
95-th percentile	1662845.8
Maximum	798255370
Range	798255370
Interquartile range (IQR)	515817.5

Descriptive statistics

Standard deviation	4396453.638
Coefficient of variation (CV)	6.044276686
Kurtosis	20536.39908
Mean	727374.6498
Median Absolute Deviation (MAD)	234454
Skewness	125.8893154
Sum	4.109957722e+10
Variance	1.932880459e+13
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	398	0.7%
150194	9	< 0.1%
201630	9	< 0.1%
376992	8	< 0.1%
107404	8	< 0.1%
219802	8	< 0.1%
163064	8	< 0.1%
152812	8	< 0.1%
305580	8	< 0.1%
290246	8	< 0.1%
Other values (34880)	56032	99.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	398	0.7%
4334	2	< 0.1%
4444	1	< 0.1%
6446	3	< 0.1%
6468	2	< 0.1%

Value	Count	Frequency (%)
798255370	1	< 0.1%
380052288	1	< 0.1%
265512874	1	< 0.1%
192284158	1	< 0.1%
162187168	1	< 0.1%

Bankruptcies
Real number (ℝ_≥0)

ZEROS

Distinct	9
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.1148123978
Minimum	0
Maximum	7
Zeros	50309
Zeros (%)	89.0%
Memory size	441.4 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	7
Range	7
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.3466747767
Coefficient of variation (CV)	3.01948904
Kurtosis	19.3620556
Mean	0.1148123978
Median Absolute Deviation (MAD)	0
Skewness	3.557931492
Sum	6487.359723
Variance	0.1201834008
Monotocity	Not monotonic

Histogram with fixed size bins (bins=9)

Value	Count	Frequency (%)
0	50309	89.0%
1	5784	10.2%
2	224	0.4%
0.1161715048	115	0.2%
3	54	0.1%
4	13	< 0.1%
5	3	< 0.1%
7	1	< 0.1%
6	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	50309	89.0%
0.1161715048	115	0.2%
1	5784	10.2%
2	224	0.4%
3	54	0.1%

Value	Count	Frequency (%)
7	1	< 0.1%
6	1	< 0.1%
5	3	< 0.1%
4	13	< 0.1%
3	54	0.1%

Tax Liens
Real number (ℝ_≥0)

ZEROS

Distinct	13
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.02874339992
Minimum	0
Maximum	15
Zeros	55424
Zeros (%)	98.1%
Memory size	441.4 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	0
Maximum	15
Range	15
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.2584199928
Coefficient of variation (CV)	8.990585441
Kurtosis	489.7666231
Mean	0.02874339992
Median Absolute Deviation (MAD)	0
Skewness	16.84323624
Sum	1624.117069
Variance	0.06678089269
Monotocity	Not monotonic

Histogram with fixed size bins (bins=13)

Value	Count	Frequency (%)
0	55424	98.1%
1	760	1.3%
2	208	0.4%
3	53	0.1%
4	29	0.1%
5	10	< 0.1%
7	6	< 0.1%
6	6	< 0.1%
0.02926725664	4	< 0.1%
15	1	< 0.1%
Other values (3)	3	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	55424	98.1%
0.02926725664	4	< 0.1%
1	760	1.3%
2	208	0.4%
3	53	0.1%

Value	Count	Frequency (%)
15	1	< 0.1%
11	1	< 0.1%
10	1	< 0.1%
9	1	< 0.1%
7	6	< 0.1%

Term_Long Term
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	55.2 KiB

0	41127
1	15377

Common Values
Chart

Value	Count	Frequency (%)
0	41127	72.8%
1	15377	27.2%

Home Ownership_HaveMortgage
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	55.2 KiB

0	56386
1	118

Common Values
Chart

Value	Count	Frequency (%)
0	56386	99.8%
1	118	0.2%

Home Ownership_Own Home
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	55.2 KiB

0	51289
1	5215

Common Values
Chart

Value	Count	Frequency (%)
0	51289	90.8%
1	5215	9.2%

Home Ownership_Rent
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	55.2 KiB

0	32709
1	23795

Common Values
Chart

Value	Count	Frequency (%)
0	32709	57.9%
1	23795	42.1%

Loan Status
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	441.4 KiB

0	42736
1	13768

Common Values
Chart

Value	Count	Frequency (%)
0	42736	75.6%
1	13768	24.4%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Phik (φk)

Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.

Count
Matrix

First rows

	df_index	Current Loan Amount	Credit Score	Annual Income	Years in current job	Monthly Debt	Years of Credit History	Number of Open Accounts	Current Credit Balance	Maximum Open Credit	Term_Long Term	Home Ownership_Rent	Loan Status
0	59309	432256.0	685.0	895945.0	1	22473.39	17.4	17.0	451497.0	557348.0	1	0	1
1	38785	172436.0	697.0	1023891.0	7	13054.52	16.4	5.0	17233.0	28050.0	0	1	0
2	43839	773388.0	709.0	1851113.0	1	32008.73	29.2	8.0	1515592.0	2321308.0	0	0	0
3	13694	324522.0	691.0	1609680.0	7	35010.35	14.1	17.0	330638.0	539242.0	1	0	0
4	27637	99999999.0	733.0	507110.0	5	2823.02	47.4	7.0	72181.0	97856.0	0	0	0
5	49013	137280.0	748.0	592800.0	10	5982.34	11.0	9.0	58748.0	203654.0	0	1	1
6	29378	429308.0	715.0	1942066.0	6	30425.84	14.7	13.0	369702.0	795696.0	1	1	0
7	15	153252.0	714.0	1890690.0	2	21900.35	15.7	12.0	891594.0	1081014.0	0	1	1
8	64489	99999999.0	740.0	768664.0	6	17935.43	16.5	15.0	209931.0	336182.0	0	0	0
9	46915	172722.0	733.0	1212029.0	1	12524.42	16.1	18.0	90383.0	118800.0	0	1	1

Last rows

	df_index	Current Loan Amount	Credit Score	Annual Income	Years in current job	Monthly Debt	Years of Credit History	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies	Term_Long Term	Home Ownership_Own Home	Home Ownership_Rent	Loan Status
56494	4058	169356.0	691.0	493848.0	4	9630.15	7.0	4.0	0.0	74537.0	76978.0	0.0	0	0	1	1
56495	3342	334554.0	744.0	3544241.0	7	46370.45	14.6	14.0	0.0	304380.0	2553914.0	0.0	0	0	1	0
56496	61196	85932.0	7180.0	519498.0	5	9610.77	14.7	7.0	0.0	123253.0	180422.0	0.0	0	0	1	1
56497	53496	380930.0	725.0	2225432.0	1	17432.50	12.6	12.0	1.0	166383.0	412544.0	1.0	0	0	0	0
56498	12069	322212.0	709.0	779171.0	9	5161.92	11.9	6.0	0.0	106495.0	206184.0	0.0	1	0	1	0
56499	59829	557040.0	731.0	1731888.0	1	35936.60	25.9	16.0	0.0	636633.0	1486232.0	0.0	1	0	0	1
56500	849	98406.0	684.0	660953.0	3	4742.40	17.4	8.0	0.0	153121.0	244882.0	0.0	0	0	1	1
56501	70352	334466.0	701.0	1390648.0	5	27581.16	18.3	12.0	0.0	220780.0	289828.0	0.0	0	0	1	0
56502	28036	186252.0	736.0	1230060.0	1	14043.09	14.8	6.0	0.0	178220.0	383592.0	0.0	0	1	0	0
56503	62511	171666.0	745.0	1294869.0	0	20070.65	9.0	24.0	0.0	169860.0	455246.0	0.0	0	0	1	0

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Phik (φk)

Missing values

Sample

First rows

Last rows